Privacy Policy

Wilshire Commercial Capital LLC, dba LoanCenter and Wilshire Consumer Credit (“Wilshire”) is committed to respecting the individual rights of our customers. We are providing this privacy notice to inform you of our privacy and security practices regarding our relationship with you.

Please view our privacy policy and opt-out notice here.
California residents: View California opt-out notice here.
Please view our California Privacy Statement regarding CCPA here.
Please view the First Electronic Bank privacy policy and opt-out notice here.

PRIVACY POLICY – ONLINE SUPPLEMENT

This section describes Wilshire’s practices regarding information we receive about you during visits to this web site. The amount and type of information we receive depends on how you use this site. Please take a few minutes to read this supplement to our Privacy Policy so you may understand how your personal information is used and the measures we take to protect your personal information.

NORMAL WEB SITE USAGE

You can visit our web site to read product, investment, and company information, or use our on-line tools without revealing any personal information. The only information we collect and store during normal web site usage is the name of your Internet service provider, the web site you last visited, the pages you request, the date and time of those requests and the number of visits you made to our website.

We use this information to generate statistics and measure website activity in order to improve the usefulness of customer visits to our website. This same information may be shared with third parties in order to provide these services or to analyze, store, or aggregate the information. It may also be shared with other third parties, working with us to improve the services of Wilshire or our website. During normal web site usage, we do not collect or store personally identifiable information such as name, mailing address, email address, phone number, or Social Security number.

ON-LINE COLLECTION OF PERSONALLY IDENTIFIABLE INFORMATION

Occasionally, Wilshire will request personally identifiable information in order to provide the web site visitor with a service or correspondence (e.g., promotions and mailed brochures), or access to services like the WCC MyAccount portal. This information, such as name, mailing address, email address, type of request, and possibly additional information, is collected and stored in a manner appropriate to the nature of the request as determined by Wilshire and is used to fulfill your request. Whenever we request such information, we will clearly explain how it will be used. If you tell us that the information should not be used as a basis for further contact, we will respect your request. The information you provide is used by Wilshire to improve the services we provide you. This information may also be provided to agencies for use on behalf of Wilshire in accordance with our Privacy Policy.

Please note that Wilshire’s website may provide links to third party sites not controlled by Wilshire. We suggest that you check the specific privacy policy of any site before providing any personally identifiable information.

ELECTRONIC MAIL SENT TO US THAT CONTAINS PERSONAL INFORMATION

Internet users may decide to send Wilshire personally identifying information, for example, in an electronic mail message containing information about your Wilshire account. Wilshire will only use this information to identify the user as a Wilshire customer and to determine how to respond to the electronic mail. We will use this information for the purpose identified in the email message and to enhance our understanding of you in order to improve our services to you.

WILSHIRE’S INTERNET SERVICES

To use Wilshire’s Internet services, such as WCC MyAccount access or Electronic Funds Transfer or Enrollment, we require a certain amount of personally identifying information (e.g., name, Social Security number, account number and other applicable information) we can use to verify you as a Wilshire customer. We use this to identify and access data in the existing relationship we have with you in order to provide you with the requested services. We request email addresses as an alternate means of contacting you. Providing your email address is optional, except when you request an Internet delivered service, then it is necessary for us to have your email address in order to honor your request. We may also use this information to enhance our understanding of you and improve our services.

WHAT ARE COOKIES?

A “cookie” is a small line of text that is stored within your browser when you visit a cookie-enabled website. As you browse the Web, cookie-enabled sites will send cookies to your browser, along with pages. Your browser probably has options that will let you control whether the browser accepts cookies, rejects cookies, or notifies you each time a cookie is sent to you.

If your browser is set to reject cookies, cookie-enabled websites will not recognize you when you return. This provides you with anonymity, but it also makes it very difficult to offer you customized services. It is also less secure than using cookies, because all of your specific data must be sent to the website each time you view a page. Accepting cookies means your private data can stay at the Web server, and the only information transmitted over the Internet is your ID cookie.

If your browser is set to accept cookies, any cookies that are sent to your browser are stored in your computer for a period of time. There are a few different types of cookies. A “session” cookie is stored only in your computer’s working memory (RAM) and only lasts for your browsing session. When you close all of your browser’s windows, or when you shut down your computer, the session cookie disappears forever. A “permanent” cookie is stored on your computer’s hard drive until a specified date, which could be tomorrow, next week, or 10 years from now. Permanent cookies stay on your computer until either a) they expire, b) they are overwritten with newer cookies, c) you manually remove them.

We use permanent cookies to supply visitors to our site with a customized experience. These cookies do not involve personally identifiable information. We also use session cookies to customize your experience during a session, to aid in your navigation and use of the site, to develop generic web site metrics and other similar uses.

QUESTIONS?

Our privacy practices are designed to provide a high level of protection for your personal information and our systems. If you have any questions or comments about Wilshire’s privacy practices, you can contact us via email at [email protected] or by phone at 800-589-0290.

CHANGES

We reserve the right to change, modify, or adjust our Privacy Policy as needed. A revised Privacy Policy only applies to data collected subsequent to its effective date. Any revisions will be posted at least 10 days prior to its effective date.

 

Version: 6/23/16 v3.0

Westlake Direct, LLC (“Westlake”) is committed to respecting the individual rights of our consumers. This Privacy Policy describes Westlake’s privacy and security practices regarding information we receive from and about you during visit(s) to this web site. This information depends on how you use this site. Please review this page to understand how your personal information is used and how we protect that information.

If you are a Westlake customer or otherwise provide personal information to us in connection with our financial services, please also review our Privacy Notice here.

GENERAL WEBSITE USAGE

You can visit our web site to read product, investment, and company information, or use our on-line tools without revealing any personal information. The only information we collect and store during general website usage is your Internet service provider, the web site you last visited, the pages you requested and the date and time of those requests and the number of visits you made to our website.

We use this information to measure website activity and improve the customer experience on our website. For example, we may use information such as your Internet Protocol address, browser type, and display/screen settings to aggregate the data to help improve your future experience with our website. In accordance with our Privacy Notice, this information may be shared with third parties to provide related services or to analyze, store, or aggregate the information. It may also be shared with other third parties, working with us to improve our service and/or our website. During general website usage, we do not collect or store personally identifiable information such as your name, mailing address, email address, phone number, or Social Security number.

Our website may link to third-party websites not controlled by us. We recommend that you review the privacy policy of any website before providing personally identifiable information.

INFORMATION WE OBTAIN FROM YOU ABOUT YOU

In addition to information gathered through your general website usage, we may also collect the following information from you that you submit or provide to us through online services, such as MyAccount, or in faxes, telephone calls, emails, or other correspondence sent to us by you. We may also collect information that you provide when you apply for a loan, or from social media handles, content, or other data provided through third-party features or posted on social media pages. The types of personal information we may obtain directly from you include:

  • Identifiers, such as name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver’s license number, passport number or other similar identifiers, bank account number, credit card number, debit card number, or any other financial information;
  • Commercial Information, such as records of personal property, products, or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies;
  • Professional Information, such as current or past job history and income;
  • Demographics, such as age, race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information);
  • Records of your interactions, such as phone calls, text messages, emails, or other communications with our Customer Service and call center representatives, or any employee of Westlake;
  • Internet or other electronic activities, as discussed in greater detail above under “General Website Usage”;
  • Preferences, such as communication preferences (e.g., electronic communication versus receiving hard copies of documents).

INFORMATION WE OBTAIN FROM THIRD-PARTY SERVICES ABOUT YOU

At times, given the relationship between you and Westlake, it may be necessary to obtain information about you from third-party sources, such as credit reporting agencies (e.g., Equifax, TransUnion, Experian), vehicle history services, state motor vehicle departments, and insurance companies. The categories of information we obtain from such third-party sources include identifiers, financial or insurance information, demographics, commercial information, online activities, geolocation data, professional and education information, and preferences.

INFORMATION WE OBTAIN FROM THIRD-PARTY SERVICES ABOUT YOU

We may use information collected from you or third-party sources to:

  • Personalize and optimize your website browsing experiences by examining which parts of our website you visit;
  • Operate our websites, including debugging and product improvement;
  • Process and respond to your requests and inquiries in connection with our products and services;
  • Enter into and finalize our transactions with you for products and services;
  • Provide customer service and/or technical support;
  • Allow us to create, manage, and administer your MyAccount service; and
  • Protect against, identify, and prevent criminal activities such as fraud.

INFORMATION WE OBTAIN FROM THIRD-PARTY SERVICES ABOUT YOU

Cookies are text data stored by your browser when you visit a cookie-enabled website. As you browse the Web, websites may send cookies to your browser. Your browser settings probably control whether it accepts or rejects cookies and notifies you when a cookie is sent to you.

If your browser is set to reject cookies, cookie-enabled websites will not recognize you when you return. This provides you with anonymity, but makes it more difficult to offer you customized services. It may also be less secure than using cookies, because your data must be sent to the website each time you view a page. Accepting cookies means your private data remains on the website’s server, and the only information transmitted over the Internet is your identifying cookie.

If your browser is set to accept cookies, those sent to your browser are stored in your computer. There are different types of cookies. A “session” cookie is stored only in your computer’s working memory and only lasts for your browsing session. When you close all of your browser windows or shut down your computer, the session cookie disappears forever. A “permanent” cookie is stored on your computer’s hard drive until a specified date, which could be tomorrow, next week, or 10 years from now. Permanent cookies stay on your computer until they expire, are overwritten with newer cookies, or are manually removed.

We use permanent cookies to supply visitors to our website with a customized experience. These cookies do not involve personally identifiable information. We also use session cookies to customize your experience during a session, to aid your navigation and use of the website, to develop generic website metrics, and other similar uses.

OUR INTERNET SERVICES

To use our Internet services, such as MyAccount or Electronic Funds Transfer or Enrollment, we require certain personally identifying information (e.g., name, Social Security number, account number, and other applicable information) to verify that you are a Westlake customer. We use this information to identify and access data in our existing relationship and provide you with the requested services. We commonly request email addresses as an alternate means of contacting you. Providing your email address is optional unless you request an Internet-delivered service, where it is necessary to have your email address to honor your request. We may also use this information to know you better and improve our services.

EMAILS CONTAINING PERSONAL INFORMATION

Internet users may send us personally identifying information via email containing information about your Westlake account. We will use this information to identify the user as a Westlake customer, determine how to respond, better understand you and your customer needs, and improve our services.

SHARING YOUR INFORMATION

We may share information obtained about you with both affiliated and non-affiliated companies. This includes:

  • Sharing your payment and transaction history with non-affiliated third parties like credit reporting agencies;
  • Sharing information with any successor to all or part of our business, including the right to transfer information we have about you in the event we sell or transfer all or a portion of our business or assets;
  • Sharing information with non-affiliated third parties to complete a transaction you requested (for example, to complete a payment you are requesting to be made);
  • Sharing information with third parties that perform services on our behalf (for example, sending text or email messages to customers for us);
  • Sharing information with various government agencies (such as state motor vehicle departments and insurance or finance companies); and
  • Sharing information that may be required by government agency, law, or court order.

The types of information we may share with affiliated and non-affiliated third parties include identifiers, commercial information, online activities, professional information, records of your interaction, internet or other electronic activities, demographics, and preferences.

QUESTIONS?

Our privacy practices are designed to provide a high level of protection for your personal information. If you have any questions or comments about our privacy practices, contact us via email at [email protected] or phone at (888) 739-9192.

CHANGES

We reserve the right to change, modify, or adjust our Privacy Policy. A revised policy only applies to data collected after its effective date. Any revisions will be posted at least 10 days prior to its effective date.

CALIFORNIA RESIDENTS

For California residents, we provide additional information in compliance with the California Consumer Privacy Act (“CCPA”) and other California privacy laws. Any terms defined in the CCPA have the same meaning when used herein. Please review our Privacy Statement for California Residents by clicking here.

Subject to certain exceptions, the CCPA provides California consumers with the rights to know what personal information businesses collect about them and why, to request deletion of that personal information, and to prohibit a business from selling that information. To restrict the sharing of personal and financial information with our affiliates and outside companies with which we do business, please click here for our Privacy Notice and follow the instructions therein.

Alternatively, to exercise your rights under the CCPA, please submit a verifiable consumer request to us by:
  • Visiting our website and completing the CCPA Request Form, available here;
  • Filling out the form at the bottom of our California Privacy Notice, available here, and following the instructions therein; or
    Calling the appropriate company, toll-free, as follows:

Only you or your authorized agent may make a request related to your personal information. An authorized agent may be a person or a business entity registered with the California Secretary of State to act on your behalf. We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to act on another’s behalf. Making a request does not require you to create an account with us, and we will only use personal information provided in such a request to verify the requestor’s identity or authority to make the request.

Personal information under the CCPA does not include any information covered by the Gramm-Leach-Bliley Act (“GLBA”). If you are a current or former customer, the data collected relating to your account is covered by the GLBA. Our GLBA privacy notice discusses what we do with your information and for information on opting out of information sharing.

Version: 11.13.2020

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